US20090283383A1 - Check processing module for a self-service check depositing terminal - Google Patents
Check processing module for a self-service check depositing terminal Download PDFInfo
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- US20090283383A1 US20090283383A1 US12/152,776 US15277608A US2009283383A1 US 20090283383 A1 US20090283383 A1 US 20090283383A1 US 15277608 A US15277608 A US 15277608A US 2009283383 A1 US2009283383 A1 US 2009283383A1
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
- G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
- G07D11/10—Mechanical details
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07D—HANDLING OF COINS OR VALUABLE PAPERS, e.g. TESTING, SORTING BY DENOMINATIONS, COUNTING, DISPENSING, CHANGING OR DEPOSITING
- G07D11/00—Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
- G07D11/40—Device architecture, e.g. modular construction
Definitions
- the present invention relates to self-service check depositing terminals, and is particularly directed to a check processing module for a self-service check depositing terminal, such as a check depositing automated teller machine (ATM).
- ATM automated teller machine
- an ATM customer In a typical check depositing ATM, an ATM customer is allowed to deposit a check (without having to place the check in any deposit envelope) in a publicly accessible, unattended environment. To deposit a check, the ATM customer inserts a user identification card through a user card slot at the ATM, enters the amount of the check being deposited, and inserts the check to be deposited through a check slot of a check acceptor.
- a check transport mechanism receives the inserted check and transports the check in a forward direction along a check transport path to a number of locations within the ATM to process the check.
- the check transport mechanism transports the check in a reverse direction along the check transport path to return the check to the ATM customer via the check slot. If the check is accepted for deposit, the amount of the check is deposited into the ATM customer's account and the check is transported to a storage bin within the ATM. An endorser printer prints an endorsement onto the check as the check is being transported to and stored in the storage bin. Checks in the storage bin within the ATM are periodically picked up and physically transported via courier to a back office facility of a financial institution for further processing.
- check processing module In some known check depositing ATMs, certain components are housed in modular units which, in turn, are housed in a larger module.
- the larger module is sometimes referred to as a “check processing module” (CPM).
- CPM check processing module
- Such modules are included in ATMs provided by NCR Corporation, located in Dayton, Ohio.
- One example is Model No. CPM2 in which a modular unit called a “pocket module” is located in approximately the central portion of the CPM.
- Model No. CPM3 In which the pocket module is located in approximately the bottom portion of the CPM.
- Model No. CPM4 In which the pocket module is located in approximately the top portion of the CPM.
- CPMs are typically constructed with a pair of sheet metal side plates which provide mounting surfaces for flanged steel ball bearings which, in turn, support steel drive shafts with rubber drive rollers.
- a drawback in these known CPMs is that steel ball bearings and steel drive shafts are relatively expensive.
- assembly of a CPM is relatively time consuming as C-clips and wavy washers are typically used to maintain the steel ball bearings against the sheet metal side plates.
- disassembly of a CPM is relatively time consuming when a component that is trapped between the sheet metal side plates needs to be replaced. It would be desirable to provide a CPM which is relatively low cost, relatively easy to assemble, and relatively easy to disassemble whenever disassembly is required.
- a check processing module for a self-service check depositing terminal.
- the CPM comprises a substantially U-shaped plastic guide including (i) first and second leg portions forming the substantially U-shape, (ii) a surface which forms an opening in the first leg portion, and (ii) a releasing member which is disposed on the second leg portion.
- the CPM further comprises a shaft assembly including (i) a plastic shaft having opposite end portions and a central portion between the opposite end portions, (ii) a number of drive rollers disposed on the central portion, (iii) a first plastic race bearing attached to one end portion of the plastic shaft and disposed in the opening of the plastic guide, and (iv) a second plastic race bearing attached to the other end portion of the plastic shaft and secured by the releasing member to the plastic guide.
- the releasing member is operable to secure the shaft assembly to the plastic guide during operation of the CPM, and is operable to release the shaft assembly from the plastic guide during disassembly of parts of the CPM.
- FIG. 1 is a left-front perspective view of one type of check depositing automated teller machine (ATM) embodying the present invention
- FIG. 2 is a simplified schematic diagram, looking approximately in the direction of arrow X in FIG. 1 , and illustrating a check processing module (CPM) configured to operate in the ATM of FIG. 1 ;
- CPM check processing module
- FIG. 3 is diagram similar to the diagram of FIG. 2 , and illustrating the CPM configured to operate in another type of ATM;
- FIG. 4 is diagram similar to the diagrams of FIGS. 2 and 3 , and illustrating the CPM configured to operate in yet another type of ATM;
- FIG. 5 is a pictorial view of a transport module of the CPM of FIG. 2 ;
- FIG. 6 is a perspective view, looking approximately in the direction of arrow Y shown in FIG. 5 with some parts removed;
- FIG. 7 is an perspective view, looking approximately in the direction of arrow Z shown in FIG. 6 ;
- FIG. 8 is a perspective view of a shaft assembly shown in FIG. 6 ;
- FIG. 9 is a perspective view of another shaft assembly shown in FIG. 6 ;
- FIG. 10 is a perspective view of a shaft assembly shown in FIG. 7 ;
- FIG. 11 is a perspective view of the shaft assembly of FIG. 8 being assembled.
- the present invention is directed to a check processing module for a self-service terminal, such as a check depositing automated teller machine (ATM).
- ATM automated teller machine
- a self-service check depositing terminal in the form of an image-based check depositing automated teller machine (ATM) 10 is illustrated.
- the check depositing ATM 10 comprises a fascia 12 coupled to a chassis (not shown).
- the fascia 12 defines an aperture 16 through which a camera (not shown) images a customer of the ATM 10 .
- the fascia 12 also defines a number of slots for receiving and dispensing media items, and a tray 40 into which coins can be dispensed.
- the slots include a statement output slot 42 , a receipt slot 44 , a card reader slot 46 , a cash slot 48 , another cash slot 50 , and a check input/output slot 52 .
- the slots 42 to 52 and tray 40 are arranged such that the slots and tray align with corresponding ATM modules mounted within the chassis of the ATM 10 .
- the fascia 12 provides a user interface for allowing an ATM customer to execute a transaction.
- the fascia 12 includes an encrypting keyboard 34 for allowing an ATM customer to enter transaction details.
- a display 36 is provided for presenting screens to an ATM customer.
- a fingerprint reader 38 is provided for reading a fingerprint of an ATM customer to identify the ATM customer.
- the user interface features described above are all provided on an NCR PERSONAS (trademark) 6676 ATM, available from NCR Financial Solutions Group Limited, Discovery Centre, 3 Fulton Road, Dundee, DD2 4SW, Scotland.
- FIG. 2 is a simplified schematic diagram (looking approximately in the direction of arrow X in FIG. 1 ) of part of the fascia 12 and main parts of the CPM 60 .
- FIG. 5 is a pictorial view of a part (to be described later) used in the CPM 60 shown in FIG. 2 .
- the CPM 60 of FIG. 2 comprises four main units which include an infeed module 70 , a pocket module 80 , an escrow re-bunch module (ERBM) 90 , and a transport module 100 .
- the infeed module 70 receives a check which has been deposited into the check input/output slot 52 ( FIG. 1 ), and transports the check to an inlet of the transport module 100 .
- the dimensions of the infeed module 70 such as its run length, may vary depending upon the particular model ATM the CPM 60 is installed.
- the structure and operation of the infeed module 70 are conventional and well known and, therefore, will not be described.
- the transport module 100 includes a check input/output transport mechanism which receives a check from the inlet adjacent to the infeed module 70 , and transports the check along a first document track portion 101 which is the main track portion.
- the transport module 100 includes a first document diverter 120 which is operable to divert a check along a second document track portion 102 to the pocket module 80 , a third document track portion 103 (not used in the configuration shown in FIG. 2 ), or a fourth document track portion 104 which leads to the ERBM 90 .
- the structure and operation of the first diverter 120 shown in FIG. 2 may be any suitable diverter which is capable of diverting a check along one of three different document transport paths.
- An example of a suitable three-way diverter is disclosed in U.S. patent application Ser. No. 12/004,354, filed on Dec. 20, 2007, entitled “Document Diverter Apparatus for Use in a Check Processing Module of a Self-Service Check Depositing Terminal”, and assigned to NCR Corporation located in Dayton, Ohio.
- the disclosure of U.S. patent application Ser. No. 12/004,354 is hereby incorporated by reference.
- a second document diverter 92 is operable to divert a check along a fifth document track portion 105 (not used in the configuration shown in FIG. 2 ), or a sixth document track portion 106 which leads to the ERBM 90 and then back to the infeed module 70 . More specifically, the sixth document track 106 interconnecting the ERBM 90 and the infeed module 70 allows a bunch of checks which has accumulated in the ERBM to be transported back to the infeed module 70 .
- the structure and operation of the second diverter 92 are conventional and well known and, therefore, will not be described.
- the transport module 100 further includes a magnetic ink character recognition (MICR) head 72 for reading magnetic details on a code line of a check.
- the transport module 100 also includes an imager 74 including a front imaging camera 75 and a rear imaging camera 76 for capturing an image of each side of a check (front and rear).
- An endorser printer 78 is provided for printing endorsements onto checks.
- An image data memory 94 is provided for storing images of checks.
- a controller 95 is provided for controlling the operation of the elements within the CPM 60 .
- the pocket module 80 includes a main storage bin 84 for storing processed checks.
- the pocket module 80 further includes a reject bin 86 for storing rejected checks.
- a divert gate 82 is provided for diverting checks to the reject bin 86 . If the checks are not diverted to the reject bin 86 , they will continue on to the main storage bin 84 .
- the structure and operation of the pocket module 80 are conventional and well known and, therefore, will not be described.
- the CPM 60 of FIG. 2 is shown in a first configuration where a pocket module is located in a top portion of the CPM. Accordingly, components of the CPM 60 of FIG. 2 are configured in a first mode of operation to provide functionality of the Model CPM4 check processing module sold by NCR Corporation.
- the CPM 60 may be of a type which processes a bunch of checks or only one check at a time. If a bunch of checks is being processed, each check of the bunch is separated at the infeed module 70 before it is individually processed. Each processed check is then re-assembled at the ERBM 90 to bunch the checks back together. This type of processing is sometimes referred to as “multiple-check processing”. Since individual checks are being bunched back together, an escrow module (such as the ERBM 90 shown in FIG. 2 ) is needed.
- the ERBM 90 is manufactured and available from Glory Products, located in Himeji, Japan.
- the ERBM 90 allows a bunch of checks (i.e., more than one check) to be processed in a single transaction. If a bunch of checks has accumulated in the ERBM 90 and is unable to be processed further within the CPM 60 , then the bunch of checks is transported via the sixth document track portion 106 back to the infeed module 70 to return the bunch of checks to the ATM customer.
- the CPM 60 is of the type which can process only a single check, then the ERBM 90 is not needed.
- the check must be deposited into a bin (i.e., either the storage bin 84 or the reject bin 86 ) before another check can be received for processing. This type of processing is sometimes referred to as “single-check processing”.
- FIG. 3 a second configuration of the CPM 60 of FIG. 2 is illustrated. Since the configuration illustrated in FIG. 3 is generally similar to the configuration illustrated in FIG. 2 , similar numerals are utilized to designate similar components, the suffix letter “a” being associated with the configuration of FIG. 3 to avoid confusion.
- the CPM 60 a shown in FIG. 3 is in a configuration where the pocket module 80 a is located in a rear portion of the CPM. Accordingly, components of the CPM 60 a shown in FIG. 3 are configured in a second mode of operation to provide functionality of the Model CPM2 check processing module sold by NCR Corporation.
- the CPM 60 a shown in FIG. 3 comprises four main units which include the infeed module 70 a , the pocket module 80 a , the ERBM 90 a , and the transport module 100 a .
- the infeed module 70 a receives a check which has been deposited into the check input/output slot 52 a , and transports the check to an inlet of the transport module 100 a .
- the dimensions of the infeed module 70 a such as its run length, may vary depending upon the particular model ATM the CPM 60 is installed.
- the structure and operation of the infeed module 70 a are conventional and well known and, therefore, will not be described.
- the transport module 100 a includes a check input/output transport mechanism which receives a check from the inlet adjacent to the infeed module 70 a , and transports the check along the first document track portion 101 a which is the main track portion.
- the transport module 100 a includes the first document diverter 120 a which is operable to divert a check along the second document track portion 102 a (not used in the configuration shown in FIG. 3 ), the third document track portion 103 a to the pocket module 80 a , or the fourth document track portion 104 a which leads to the ERBM 90 a.
- the second document diverter 92 a is operable to divert a check along the fifth document track portion 105 a (not used in the configuration shown in FIG. 3 ), or the sixth document track portion 106 a which leads to the ERBM 90 a and then back to the infeed module 70 a . More specifically, the sixth document track 106 a interconnecting the ERBM 90 a and the infeed module 70 a allows a bunch of checks which has accumulated in the ERBM 90 a to be transported from the ERBM back to the infeed module 70 a .
- the structure and operation of the second diverter 92 a are conventional and well known and, therefore, will not be described.
- the transport module 100 a further includes a magnetic ink character recognition (MICR) head 72 a for reading magnetic details on a code line of a check.
- the transport module 100 a also includes an imager 74 a including a front imaging camera 75 a and a rear imaging camera 76 a for capturing an image of each side of a check (front and rear).
- An endorser printer 78 a is provided for printing endorsements onto checks.
- An image data memory 94 a is provided for storing images of checks.
- a controller 95 a is provided for controlling the operation of the elements within the CPM 60 a.
- the CPM 60 a of FIG. 3 is shown in a second configuration where a pocket module (designated with reference numeral “ 80 a ” in FIG. 3 ) is located in a central portion of the CPM. Accordingly, components of the CPM 60 a of FIG. 3 are configured in a second mode of operation to provide functionality of the Model CPM2 check processing module sold by NCR Corporation.
- FIG. 4 a third configuration of the CPM 60 of FIG. 2 is illustrated. Since the configuration illustrated in FIG. 4 is generally similar to the configuration illustrated in FIG. 2 , similar numerals are utilized to designate similar components, the suffix letter “b” being associated with the configuration of FIG. 4 to avoid confusion.
- the CPM 60 b shown in FIG. 4 is in a configuration where the pocket module 80 b is located in a bottom portion of the CPM. Accordingly, components of the CPM 60 b shown in FIG. 4 are configured in a third mode of operation to provide functionality of the Model CPM3 check processing module sold by NCR Corporation
- the CPM 60 b shown in FIG. 4 comprises four main units which include the infeed module 70 b , the pocket module 80 b , the ERBM 90 b , and the transport module 10 b .
- the infeed module 70 b receives a check which has been deposited into the check input/output slot 52 b , and transports the check to an inlet of the transport module 10 b .
- the dimensions of the infeed module 70 b such as its run length, may vary depending upon the particular model ATM the CPM 60 b is installed.
- the structure and operation of the infeed module 70 b are conventional and well known and, therefore, will not be described.
- the transport module 100 b includes a check input/output transport mechanism which receives a check from the inlet adjacent to the infeed module 70 b , and transports the check along the first document track portion 101 b which is the main track portion.
- the transport module 100 b includes the first document diverter 120 b which is operable to divert a check along the second document track portion 102 b (not used in the configuration shown in FIG. 4 ), the third document track portion 103 b (also not used in the configuration shown in FIG. 4 ), or the fourth document track portion 104 b which leads to either the pocket module 80 b or the ERBM 90 b.
- the second document diverter 92 b is operable to divert a check along either the fifth document track portion 105 b which leads to the pocket module 80 b or the sixth document track portion 106 b which leads to the ERBM 90 b and then back to the infeed module 70 b .
- the sixth document track 106 b interconnecting the ERBM 90 b and the infeed module 70 b allows a bunch of checks which has accumulated in the ERBM 90 b to be transported from the ERBM back to the infeed module 70 b .
- the structure and operation of the second diverter 92 b are conventional and well known and, therefore, will not be described.
- the transport module 100 b further includes a magnetic ink character recognition (MICR) head 72 b for reading magnetic details on a code line of a check.
- the transport module 100 b also includes an imager 74 b including a front imaging camera 75 b and a rear imaging camera 76 b for capturing an image of each side of a check (front and rear).
- An endorser printer 78 b is provided for printing endorsements onto checks.
- An image data memory 94 b is provided for storing images of checks.
- a controller 95 b is provided for controlling the operation of the elements within the CPM 60 b.
- the CPM 60 b of FIG. 4 is shown in a third configuration where a pocket module (designated with reference numeral “ 80 b ” in FIG. 4 ) is located in a lower or bottom portion of the CPM. Accordingly, components of the CPM 60 b of FIG. 4 are configured in a third mode of operation to provide functionality of the Model CPM3 check processing module sold by NCR Corporation.
- the structure and operation of the CPM in the three different modes of operation just described hereinabove are similar.
- a major difference in the different modes of operation is the specific location of the pocket module within the CPM.
- the detailed description hereinbelow will be from the vantage point of the first mode of operation of the CPM 60 of FIG. 2 .
- FIG. 6 a perspective view, looking approximately in the direction of arrow Y shown in FIG. 5 with some parts removed, is illustrated.
- three shaft assemblies 130 , 132 , 134 are secured to a substantially U-shaped plastic guide 136 .
- the plastic guide 136 has first and second leg portions 138 , 140 which form the substantially U-shape.
- the first leg portion 138 has surfaces which form three circular openings 142 , 144 , 146 through which the three shaft assemblies 130 , 132 , 134 extend.
- the first leg portion 138 is secured to a metal plate 148 .
- the metal plate 148 has surfaces which form three openings (not shown) which align with the three circular openings 142 , 144 , 146 in the first leg portion 138 of the plastic guide 136 .
- the second leg portion 140 of the plastic guide 136 has three releasing members 150 , 152 , 154 in the form of manually-operable snap-on hook members.
- the releasing member 150 secures the shaft assembly 130 to the plastic guide 136 .
- the releasing member 152 secures the shaft assembly 132 to the plastic guide 136 .
- the releasing member 154 secures the shaft assembly 134 to the plastic guide 136 .
- FIG. 8 a perspective view of the shaft assembly 130 shown in FIG. 6 is illustrated.
- the construction of the shaft assembly 132 shown in FIG. 6 is identical to the construction of the shaft assembly 130 .
- the construction of the shaft assembly 134 shown in FIG. 6 (also shown larger view in FIG. 9 ) is similar to the construction to the shaft assembly 130 .
- the structure of only the shaft assembly 130 will be described in detail hereinbelow.
- the shaft assembly 130 comprises a plastic shaft 160 having opposite end portions 162 , 164 and a central portion 166 disposed between the opposite end portions.
- Four rubber drive rollers 168 are disposed on the central portion 166 of the plastic shaft 160 .
- the drive rollers 168 are injection molded in place on the plastic shaft 160 .
- four drive rollers are shown in FIG. 8 , it is conceivable that any number of drive rollers be disposed on the central portion 166 of the plastic shaft 160 .
- two drive rollers are used in the shaft assembly 134 shown in FIG. 6 (also shown in larger view in FIG. 9 ).
- a first plastic race bearing 170 is attached to one end portion 162 of the plastic shaft 160 and is disposed in the opening 142 in the first leg portion 138 of the plastic guide 136 ( FIG. 6 ).
- a second plastic race bearing 172 having an outer circumferential surface 171 is attached to the other end portion 164 of the plastic shaft 160 and is secured by the releasing member 150 to the second leg portion 140 of the plastic guide 136 .
- the second plastic race bearing 172 has an outer circumferential clip groove 173 ( FIG. 8 ) into which a pair of flanges 175 ( FIG. 6 ) of the plastic guide 136 extend. The pair of flanges 175 co-operate with the releasing member 150 to maintain the shaft assembly 130 in place as shown in FIG. 6 .
- the plastic shaft 160 comprises relatively stiff material, such as 60% glass filled nylon, to prevent deflection under load.
- the drive rollers 168 may be injection molded into place.
- Each of the first and second plastic race bearings 170 , 172 may an inner race, an outer race, and two races of stainless steel balls for stability.
- the assembly of plastic shaft 160 , the drive rollers 168 , and the first and second plastic race bearings 170 , 172 is available from BNL (UK) Ltd located in Knaresborough, United Kingdom.
- the releasing member 152 is operable to secure the shaft assembly 130 to the plastic guide 136 during operation of the CPM.
- the releasing member 150 is also operable to allow release of the shaft assembly 130 from the plastic guide 136 during disassembly of parts of the CPM whenever disassembly is needed. Structure and operation of the releasing member 150 will be described in more detail later.
- FIG. 7 a perspective view, looking approximately in the direction of arrow Z shown in FIG. 6 , is illustrated.
- an idler shaft assembly 176 is illustrated (also shown in larger view in FIG. 10 ).
- the idler shaft assembly 176 includes a shaft 178 to which a pair of idler roller assemblies 180 , 182 are mounted.
- the idler roller assemblies 180 , 182 and the mounting of the assemblies onto the shaft 178 are conventional and known.
- one end of the shaft 178 is supported in a U-shaped mounting region 184 in a first leg portion 186 of a substantially U-shaped plastic guide 185 .
- a releasing member 190 secures the other end of the shaft 178 to a second leg portion 188 of the plastic guide 185 .
- the releasing member 190 shown in FIG. 7 has the same general construction and operation as the three releasing members 150 , 152 , 154 shown in FIG. 6 . For simplicity, the construction and operation of only the releasing member 150 associated with the shaft assembly 130 shown in FIG. 6 will be described hereinbelow.
- FIG. 11 a perspective view of the shaft assembly 130 of FIG. 8 being assembled from an initial position ( FIG. 11 ) into the installed position ( FIG. 6 ) is illustrated.
- a portion of one of the flanges 175 and a portion of the second leg portion 140 of the plastic guide 136 are shown removed to better illustrate the detailed structure of the releasing member 150 .
- the releasing member 150 comprises a tab portion 151 in which one end (not shown) is integrated into the plastic guide 136 to form a single piece of material.
- An angled surface portion 153 extends from the other end of the tab portion 151 to form a tip portion 155 .
- a transverse surface portion 157 extends between the tip portion 155 and the tab portion 151 .
- the tab portion 151 is flexible and can be manually lifted in the direction of arrow A shown in FIG. 11 .
- the end portion 162 of the plastic shaft 160 is first placed through the opening 142 in the first leg portion 138 of the plastic guide 136 .
- the clip groove 173 of the second plastic race bearing 172 is then aligned with the pair of flanges 175 and moved from the initial position shown in FIG. 11 to the installed position shown in FIG. 6 .
- one side of the outer circumferential surface 171 engages the angled surface portion 153 of the releasing member 150 and flexes the tab portion 151 in direction of arrow A and upward (as viewed looking at FIG. 11 ).
- the shaft assembly 130 is secured in place relative to the plastic guide 136 .
- the flanges 175 in the groove 173 act to prevent movement of the shaft assembly 130 along the longitudinal axis of the plastic shaft 160 .
- the flanges 175 in the groove 173 also act to prevent movement of the shaft assembly 130 in a first direction which is transverse to the longitudinal axis of the plastic shaft.
- the engagement between the transverse surface portion 157 of the releasing member 150 and the outer circumferential surface 171 of the second plastic race bearing 172 acts to prevent movement of the shaft assembly 130 in a second direction which is transverse to the first direction and also to the longitudinal axis of the plastic shaft 160 .
- the releasing member 150 functions as a snap-on hook to prevent movement of the shaft assembly 130 relative to the plastic guide 136 after the shaft assembly has been installed in the installed position shown in FIG. 6 .
- Self-service depositing terminals are generally public-access devices that are designed to allow a user to conduct a check deposit transaction in an unassisted manner and/or in an unattended environment.
- Self-service check depositing terminals typically include some form of tamper resistance so that they are inherently resilient.
- CPM 60 , 60 a , 60 b which has the ERBM 90 , 90 a , 90 b
- the present invention may be embodied in a CPM which does not have an ERBM.
Abstract
Description
- The present invention relates to self-service check depositing terminals, and is particularly directed to a check processing module for a self-service check depositing terminal, such as a check depositing automated teller machine (ATM).
- In a typical check depositing ATM, an ATM customer is allowed to deposit a check (without having to place the check in any deposit envelope) in a publicly accessible, unattended environment. To deposit a check, the ATM customer inserts a user identification card through a user card slot at the ATM, enters the amount of the check being deposited, and inserts the check to be deposited through a check slot of a check acceptor. A check transport mechanism receives the inserted check and transports the check in a forward direction along a check transport path to a number of locations within the ATM to process the check.
- If the check is not accepted for deposit, the check transport mechanism transports the check in a reverse direction along the check transport path to return the check to the ATM customer via the check slot. If the check is accepted for deposit, the amount of the check is deposited into the ATM customer's account and the check is transported to a storage bin within the ATM. An endorser printer prints an endorsement onto the check as the check is being transported to and stored in the storage bin. Checks in the storage bin within the ATM are periodically picked up and physically transported via courier to a back office facility of a financial institution for further processing.
- In some known check depositing ATMs, certain components are housed in modular units which, in turn, are housed in a larger module. The larger module is sometimes referred to as a “check processing module” (CPM). Such modules are included in ATMs provided by NCR Corporation, located in Dayton, Ohio. One example is Model No. CPM2 in which a modular unit called a “pocket module” is located in approximately the central portion of the CPM. Another example is Model No. CPM3 in which the pocket module is located in approximately the bottom portion of the CPM. Still another example is Model No. CPM4 in which the pocket module is located in approximately the top portion of the CPM.
- Known CPMs are typically constructed with a pair of sheet metal side plates which provide mounting surfaces for flanged steel ball bearings which, in turn, support steel drive shafts with rubber drive rollers. A drawback in these known CPMs is that steel ball bearings and steel drive shafts are relatively expensive. Moreover, assembly of a CPM is relatively time consuming as C-clips and wavy washers are typically used to maintain the steel ball bearings against the sheet metal side plates. Also, disassembly of a CPM is relatively time consuming when a component that is trapped between the sheet metal side plates needs to be replaced. It would be desirable to provide a CPM which is relatively low cost, relatively easy to assemble, and relatively easy to disassemble whenever disassembly is required.
- In accordance with an embodiment of the present invention, a check processing module (CPM) is provided for a self-service check depositing terminal. The CPM comprises a substantially U-shaped plastic guide including (i) first and second leg portions forming the substantially U-shape, (ii) a surface which forms an opening in the first leg portion, and (ii) a releasing member which is disposed on the second leg portion. The CPM further comprises a shaft assembly including (i) a plastic shaft having opposite end portions and a central portion between the opposite end portions, (ii) a number of drive rollers disposed on the central portion, (iii) a first plastic race bearing attached to one end portion of the plastic shaft and disposed in the opening of the plastic guide, and (iv) a second plastic race bearing attached to the other end portion of the plastic shaft and secured by the releasing member to the plastic guide. The releasing member is operable to secure the shaft assembly to the plastic guide during operation of the CPM, and is operable to release the shaft assembly from the plastic guide during disassembly of parts of the CPM.
- In the accompanying drawings:
-
FIG. 1 is a left-front perspective view of one type of check depositing automated teller machine (ATM) embodying the present invention; -
FIG. 2 is a simplified schematic diagram, looking approximately in the direction of arrow X inFIG. 1 , and illustrating a check processing module (CPM) configured to operate in the ATM ofFIG. 1 ; -
FIG. 3 is diagram similar to the diagram ofFIG. 2 , and illustrating the CPM configured to operate in another type of ATM; -
FIG. 4 is diagram similar to the diagrams ofFIGS. 2 and 3 , and illustrating the CPM configured to operate in yet another type of ATM; -
FIG. 5 is a pictorial view of a transport module of the CPM ofFIG. 2 ; -
FIG. 6 is a perspective view, looking approximately in the direction of arrow Y shown inFIG. 5 with some parts removed; -
FIG. 7 is an perspective view, looking approximately in the direction of arrow Z shown inFIG. 6 ; -
FIG. 8 is a perspective view of a shaft assembly shown inFIG. 6 ; -
FIG. 9 is a perspective view of another shaft assembly shown inFIG. 6 ; -
FIG. 10 is a perspective view of a shaft assembly shown inFIG. 7 ; and -
FIG. 11 is a perspective view of the shaft assembly ofFIG. 8 being assembled. - The present invention is directed to a check processing module for a self-service terminal, such as a check depositing automated teller machine (ATM).
- Referring to
FIG. 1 , a self-service check depositing terminal in the form of an image-based check depositing automated teller machine (ATM) 10 is illustrated. Thecheck depositing ATM 10 comprises afascia 12 coupled to a chassis (not shown). Thefascia 12 defines anaperture 16 through which a camera (not shown) images a customer of theATM 10. Thefascia 12 also defines a number of slots for receiving and dispensing media items, and atray 40 into which coins can be dispensed. The slots include astatement output slot 42, areceipt slot 44, acard reader slot 46, acash slot 48, anothercash slot 50, and a check input/output slot 52. Theslots 42 to 52 andtray 40 are arranged such that the slots and tray align with corresponding ATM modules mounted within the chassis of theATM 10. - The
fascia 12 provides a user interface for allowing an ATM customer to execute a transaction. Thefascia 12 includes anencrypting keyboard 34 for allowing an ATM customer to enter transaction details. Adisplay 36 is provided for presenting screens to an ATM customer. Afingerprint reader 38 is provided for reading a fingerprint of an ATM customer to identify the ATM customer. The user interface features described above are all provided on an NCR PERSONAS (trademark) 6676 ATM, available from NCR Financial Solutions Group Limited, Discovery Centre, 3 Fulton Road, Dundee, DD2 4SW, Scotland. - Referring to
FIG. 2 , a first configuration of a check processing module (CPM) 60 is illustrated. TheCPM 60 will now be described with reference toFIGS. 2 and 5 .FIG. 2 is a simplified schematic diagram (looking approximately in the direction of arrow X inFIG. 1 ) of part of thefascia 12 and main parts of theCPM 60.FIG. 5 is a pictorial view of a part (to be described later) used in theCPM 60 shown inFIG. 2 . - The
CPM 60 ofFIG. 2 comprises four main units which include an infeedmodule 70, apocket module 80, an escrow re-bunch module (ERBM) 90, and atransport module 100. The infeedmodule 70 receives a check which has been deposited into the check input/output slot 52 (FIG. 1 ), and transports the check to an inlet of thetransport module 100. The dimensions of the infeedmodule 70, such as its run length, may vary depending upon the particular model ATM theCPM 60 is installed. The structure and operation of the infeedmodule 70 are conventional and well known and, therefore, will not be described. - The
transport module 100 includes a check input/output transport mechanism which receives a check from the inlet adjacent to the infeedmodule 70, and transports the check along a firstdocument track portion 101 which is the main track portion. Thetransport module 100 includes afirst document diverter 120 which is operable to divert a check along a seconddocument track portion 102 to thepocket module 80, a third document track portion 103 (not used in the configuration shown inFIG. 2 ), or a fourthdocument track portion 104 which leads to theERBM 90. - The structure and operation of the
first diverter 120 shown inFIG. 2 may be any suitable diverter which is capable of diverting a check along one of three different document transport paths. An example of a suitable three-way diverter is disclosed in U.S. patent application Ser. No. 12/004,354, filed on Dec. 20, 2007, entitled “Document Diverter Apparatus for Use in a Check Processing Module of a Self-Service Check Depositing Terminal”, and assigned to NCR Corporation located in Dayton, Ohio. The disclosure of U.S. patent application Ser. No. 12/004,354 is hereby incorporated by reference. - A
second document diverter 92 is operable to divert a check along a fifth document track portion 105 (not used in the configuration shown inFIG. 2 ), or a sixthdocument track portion 106 which leads to theERBM 90 and then back to theinfeed module 70. More specifically, thesixth document track 106 interconnecting theERBM 90 and theinfeed module 70 allows a bunch of checks which has accumulated in the ERBM to be transported back to theinfeed module 70. The structure and operation of thesecond diverter 92 are conventional and well known and, therefore, will not be described. - The
transport module 100 further includes a magnetic ink character recognition (MICR)head 72 for reading magnetic details on a code line of a check. Thetransport module 100 also includes animager 74 including afront imaging camera 75 and arear imaging camera 76 for capturing an image of each side of a check (front and rear). Anendorser printer 78 is provided for printing endorsements onto checks. Animage data memory 94 is provided for storing images of checks. Acontroller 95 is provided for controlling the operation of the elements within theCPM 60. - The
pocket module 80 includes amain storage bin 84 for storing processed checks. Thepocket module 80 further includes areject bin 86 for storing rejected checks. A divertgate 82 is provided for diverting checks to thereject bin 86. If the checks are not diverted to thereject bin 86, they will continue on to themain storage bin 84. The structure and operation of thepocket module 80 are conventional and well known and, therefore, will not be described. - It should be apparent that the
CPM 60 ofFIG. 2 is shown in a first configuration where a pocket module is located in a top portion of the CPM. Accordingly, components of theCPM 60 ofFIG. 2 are configured in a first mode of operation to provide functionality of the Model CPM4 check processing module sold by NCR Corporation. - The
CPM 60 may be of a type which processes a bunch of checks or only one check at a time. If a bunch of checks is being processed, each check of the bunch is separated at theinfeed module 70 before it is individually processed. Each processed check is then re-assembled at theERBM 90 to bunch the checks back together. This type of processing is sometimes referred to as “multiple-check processing”. Since individual checks are being bunched back together, an escrow module (such as theERBM 90 shown inFIG. 2 ) is needed. TheERBM 90 is manufactured and available from Glory Products, located in Himeji, Japan. TheERBM 90 allows a bunch of checks (i.e., more than one check) to be processed in a single transaction. If a bunch of checks has accumulated in theERBM 90 and is unable to be processed further within theCPM 60, then the bunch of checks is transported via the sixthdocument track portion 106 back to theinfeed module 70 to return the bunch of checks to the ATM customer. - However, if the
CPM 60 is of the type which can process only a single check, then theERBM 90 is not needed. Once a check is received for processing, the check must be deposited into a bin (i.e., either thestorage bin 84 or the reject bin 86) before another check can be received for processing. This type of processing is sometimes referred to as “single-check processing”. - Referring to
FIG. 3 , a second configuration of theCPM 60 ofFIG. 2 is illustrated. Since the configuration illustrated inFIG. 3 is generally similar to the configuration illustrated inFIG. 2 , similar numerals are utilized to designate similar components, the suffix letter “a” being associated with the configuration ofFIG. 3 to avoid confusion. - The
CPM 60 a shown inFIG. 3 is in a configuration where thepocket module 80 a is located in a rear portion of the CPM. Accordingly, components of theCPM 60 a shown inFIG. 3 are configured in a second mode of operation to provide functionality of the Model CPM2 check processing module sold by NCR Corporation. - The
CPM 60 a shown inFIG. 3 comprises four main units which include theinfeed module 70 a, thepocket module 80 a, the ERBM 90 a, and thetransport module 100 a. Theinfeed module 70 a receives a check which has been deposited into the check input/output slot 52 a, and transports the check to an inlet of thetransport module 100 a. The dimensions of theinfeed module 70 a, such as its run length, may vary depending upon the particular model ATM theCPM 60 is installed. The structure and operation of theinfeed module 70 a are conventional and well known and, therefore, will not be described. - The
transport module 100 a includes a check input/output transport mechanism which receives a check from the inlet adjacent to theinfeed module 70 a, and transports the check along the firstdocument track portion 101 a which is the main track portion. Thetransport module 100 a includes thefirst document diverter 120 a which is operable to divert a check along the seconddocument track portion 102 a (not used in the configuration shown inFIG. 3 ), the thirddocument track portion 103 a to thepocket module 80 a, or the fourthdocument track portion 104 a which leads to the ERBM 90 a. - The
second document diverter 92 a is operable to divert a check along the fifthdocument track portion 105 a (not used in the configuration shown inFIG. 3 ), or the sixthdocument track portion 106 a which leads to the ERBM 90 a and then back to theinfeed module 70 a. More specifically, thesixth document track 106 a interconnecting the ERBM 90 a and theinfeed module 70 a allows a bunch of checks which has accumulated in the ERBM 90 a to be transported from the ERBM back to theinfeed module 70 a. The structure and operation of thesecond diverter 92 a are conventional and well known and, therefore, will not be described. - The
transport module 100 a further includes a magnetic ink character recognition (MICR) head 72 a for reading magnetic details on a code line of a check. Thetransport module 100 a also includes animager 74 a including afront imaging camera 75 a and arear imaging camera 76 a for capturing an image of each side of a check (front and rear). Anendorser printer 78 a is provided for printing endorsements onto checks. Animage data memory 94 a is provided for storing images of checks. Acontroller 95 a is provided for controlling the operation of the elements within theCPM 60 a. - It should be apparent that the
CPM 60 a ofFIG. 3 is shown in a second configuration where a pocket module (designated with reference numeral “80 a” inFIG. 3 ) is located in a central portion of the CPM. Accordingly, components of theCPM 60 a ofFIG. 3 are configured in a second mode of operation to provide functionality of the Model CPM2 check processing module sold by NCR Corporation. - Referring to
FIG. 4 , a third configuration of theCPM 60 ofFIG. 2 is illustrated. Since the configuration illustrated inFIG. 4 is generally similar to the configuration illustrated inFIG. 2 , similar numerals are utilized to designate similar components, the suffix letter “b” being associated with the configuration ofFIG. 4 to avoid confusion. - The
CPM 60 b shown inFIG. 4 is in a configuration where thepocket module 80 b is located in a bottom portion of the CPM. Accordingly, components of theCPM 60 b shown inFIG. 4 are configured in a third mode of operation to provide functionality of the Model CPM3 check processing module sold by NCR Corporation - The
CPM 60 b shown inFIG. 4 comprises four main units which include theinfeed module 70 b, thepocket module 80 b, theERBM 90 b, and the transport module 10 b. Theinfeed module 70 b receives a check which has been deposited into the check input/output slot 52 b, and transports the check to an inlet of the transport module 10 b. The dimensions of theinfeed module 70 b, such as its run length, may vary depending upon the particular model ATM theCPM 60 b is installed. The structure and operation of theinfeed module 70 b are conventional and well known and, therefore, will not be described. - The
transport module 100 b includes a check input/output transport mechanism which receives a check from the inlet adjacent to theinfeed module 70 b, and transports the check along the first document track portion 101 b which is the main track portion. Thetransport module 100 b includes thefirst document diverter 120 b which is operable to divert a check along the seconddocument track portion 102 b (not used in the configuration shown inFIG. 4 ), the thirddocument track portion 103 b (also not used in the configuration shown inFIG. 4 ), or the fourthdocument track portion 104 b which leads to either thepocket module 80 b or theERBM 90 b. - More specifically, the
second document diverter 92 b is operable to divert a check along either the fifthdocument track portion 105 b which leads to thepocket module 80 b or the sixthdocument track portion 106 b which leads to theERBM 90 b and then back to theinfeed module 70 b. Thesixth document track 106 b interconnecting theERBM 90 b and theinfeed module 70 b allows a bunch of checks which has accumulated in theERBM 90 b to be transported from the ERBM back to theinfeed module 70 b. The structure and operation of thesecond diverter 92 b are conventional and well known and, therefore, will not be described. - The
transport module 100 b further includes a magnetic ink character recognition (MICR)head 72 b for reading magnetic details on a code line of a check. Thetransport module 100 b also includes animager 74 b including afront imaging camera 75 b and arear imaging camera 76 b for capturing an image of each side of a check (front and rear). Anendorser printer 78 b is provided for printing endorsements onto checks. Animage data memory 94 b is provided for storing images of checks. Acontroller 95 b is provided for controlling the operation of the elements within theCPM 60 b. - It should be apparent that the
CPM 60 b ofFIG. 4 is shown in a third configuration where a pocket module (designated with reference numeral “80 b” inFIG. 4 ) is located in a lower or bottom portion of the CPM. Accordingly, components of theCPM 60 b ofFIG. 4 are configured in a third mode of operation to provide functionality of the Model CPM3 check processing module sold by NCR Corporation. - The structure and operation of the CPM in the three different modes of operation just described hereinabove are similar. A major difference in the different modes of operation is the specific location of the pocket module within the CPM. For simplicity, the detailed description hereinbelow will be from the vantage point of the first mode of operation of the
CPM 60 ofFIG. 2 . - Referring to
FIG. 6 , a perspective view, looking approximately in the direction of arrow Y shown inFIG. 5 with some parts removed, is illustrated. As shown inFIG. 6 , threeshaft assemblies U-shaped plastic guide 136. Theplastic guide 136 has first andsecond leg portions first leg portion 138 has surfaces which form threecircular openings shaft assemblies first leg portion 138 is secured to ametal plate 148. Themetal plate 148 has surfaces which form three openings (not shown) which align with the threecircular openings first leg portion 138 of theplastic guide 136. - The
second leg portion 140 of theplastic guide 136 has three releasingmembers member 150 secures theshaft assembly 130 to theplastic guide 136. The releasingmember 152 secures theshaft assembly 132 to theplastic guide 136. The releasingmember 154 secures theshaft assembly 134 to theplastic guide 136. - Referring to
FIG. 8 , a perspective view of theshaft assembly 130 shown inFIG. 6 is illustrated. The construction of theshaft assembly 132 shown inFIG. 6 is identical to the construction of theshaft assembly 130. The construction of theshaft assembly 134 shown inFIG. 6 (also shown larger view inFIG. 9 ) is similar to the construction to theshaft assembly 130. For simplicity, the structure of only theshaft assembly 130 will be described in detail hereinbelow. - As shown in
FIG. 8 , theshaft assembly 130 comprises aplastic shaft 160 havingopposite end portions central portion 166 disposed between the opposite end portions. Fourrubber drive rollers 168 are disposed on thecentral portion 166 of theplastic shaft 160. Thedrive rollers 168 are injection molded in place on theplastic shaft 160. Although four drive rollers are shown inFIG. 8 , it is conceivable that any number of drive rollers be disposed on thecentral portion 166 of theplastic shaft 160. As an example, two drive rollers are used in theshaft assembly 134 shown inFIG. 6 (also shown in larger view inFIG. 9 ). - A first plastic race bearing 170 is attached to one
end portion 162 of theplastic shaft 160 and is disposed in theopening 142 in thefirst leg portion 138 of the plastic guide 136 (FIG. 6 ). A second plastic race bearing 172 having an outercircumferential surface 171 is attached to theother end portion 164 of theplastic shaft 160 and is secured by the releasingmember 150 to thesecond leg portion 140 of theplastic guide 136. More specifically, the second plastic race bearing 172 has an outer circumferential clip groove 173 (FIG. 8 ) into which a pair of flanges 175 (FIG. 6 ) of theplastic guide 136 extend. The pair offlanges 175 co-operate with the releasingmember 150 to maintain theshaft assembly 130 in place as shown inFIG. 6 . - The
plastic shaft 160 comprises relatively stiff material, such as 60% glass filled nylon, to prevent deflection under load. Thedrive rollers 168 may be injection molded into place. Each of the first and secondplastic race bearings plastic shaft 160, thedrive rollers 168, and the first and secondplastic race bearings - The releasing
member 152 is operable to secure theshaft assembly 130 to theplastic guide 136 during operation of the CPM. The releasingmember 150 is also operable to allow release of theshaft assembly 130 from theplastic guide 136 during disassembly of parts of the CPM whenever disassembly is needed. Structure and operation of the releasingmember 150 will be described in more detail later. - Referring to
FIG. 7 , a perspective view, looking approximately in the direction of arrow Z shown inFIG. 6 , is illustrated. As shown inFIG. 7 , anidler shaft assembly 176 is illustrated (also shown in larger view inFIG. 10 ). As shown inFIG. 10 , theidler shaft assembly 176 includes ashaft 178 to which a pair ofidler roller assemblies idler roller assemblies shaft 178 are conventional and known. - As shown in
FIG. 7 , one end of theshaft 178 is supported in aU-shaped mounting region 184 in afirst leg portion 186 of a substantiallyU-shaped plastic guide 185. A releasingmember 190 secures the other end of theshaft 178 to asecond leg portion 188 of theplastic guide 185. The releasingmember 190 shown inFIG. 7 has the same general construction and operation as the three releasingmembers FIG. 6 . For simplicity, the construction and operation of only the releasingmember 150 associated with theshaft assembly 130 shown inFIG. 6 will be described hereinbelow. - Referring to
FIG. 11 , a perspective view of theshaft assembly 130 ofFIG. 8 being assembled from an initial position (FIG. 11 ) into the installed position (FIG. 6 ) is illustrated. As shown inFIG. 11 , a portion of one of theflanges 175 and a portion of thesecond leg portion 140 of theplastic guide 136 are shown removed to better illustrate the detailed structure of the releasingmember 150. The releasingmember 150 comprises atab portion 151 in which one end (not shown) is integrated into theplastic guide 136 to form a single piece of material. Anangled surface portion 153 extends from the other end of thetab portion 151 to form atip portion 155. Atransverse surface portion 157 extends between thetip portion 155 and thetab portion 151. Thetab portion 151 is flexible and can be manually lifted in the direction of arrow A shown inFIG. 11 . - When the
shaft assembly 130 is being installed from the initial position shown inFIG. 11 to the installed position shown inFIG. 6 , theend portion 162 of theplastic shaft 160 is first placed through theopening 142 in thefirst leg portion 138 of theplastic guide 136. Theclip groove 173 of the second plastic race bearing 172 is then aligned with the pair offlanges 175 and moved from the initial position shown inFIG. 11 to the installed position shown inFIG. 6 . When this occurs, one side of the outercircumferential surface 171 engages theangled surface portion 153 of the releasingmember 150 and flexes thetab portion 151 in direction of arrow A and upward (as viewed looking atFIG. 11 ). Eventually thetip portion 155 of the releasingmember 150 clears the opposite side of the outercircumferential surface 171 and snaps in a downward direction (as viewed looking atFIG. 11 ) so that thetransverse surface portion 157 engages the outercircumferential surface 171. - After the
tip portion 155 snaps in the downward direction, theshaft assembly 130 is secured in place relative to theplastic guide 136. More specifically, theflanges 175 in thegroove 173 act to prevent movement of theshaft assembly 130 along the longitudinal axis of theplastic shaft 160. Theflanges 175 in thegroove 173 also act to prevent movement of theshaft assembly 130 in a first direction which is transverse to the longitudinal axis of the plastic shaft. Moreover, the engagement between thetransverse surface portion 157 of the releasingmember 150 and the outercircumferential surface 171 of the second plastic race bearing 172 acts to prevent movement of theshaft assembly 130 in a second direction which is transverse to the first direction and also to the longitudinal axis of theplastic shaft 160. Accordingly, the releasingmember 150 functions as a snap-on hook to prevent movement of theshaft assembly 130 relative to theplastic guide 136 after the shaft assembly has been installed in the installed position shown inFIG. 6 . - It should be apparent that assembly of the CPM should be relatively rapid since most parts snap together and no fasteners are used. Also, final assembly should also be relatively rapid since major parts can be pre-assembled as sub-assemblies. Moreover, parts should be relatively easier to replace since the parts are not buried in large final assemblies.
- It should also be apparent that manufacturing costs should be relatively lower since many components are made from injection molded plastics, and thus eliminating many relatively expensive sheet metal parts and machined parts. Further, since plastic race steel ball technology is greaseless, the CPM can be driven with only a single stepper motor (instead of with dual stepper motors in known CPMs). Accordingly, parts costs as well as manufacturing costs are reduced.
- Although the above description describes the PERSONAS (trademark) 6676 NCR ATM embodying the present invention, it is conceivable that other models of ATMs, other types of ATMs, or other types of self-service check depositing terminals may embody the present invention. Self-service depositing terminals are generally public-access devices that are designed to allow a user to conduct a check deposit transaction in an unassisted manner and/or in an unattended environment. Self-service check depositing terminals typically include some form of tamper resistance so that they are inherently resilient.
- Further, although the above description describes the
CPM ERBM - The particular arrangements disclosed are meant to be illustrative only and not limiting as to the scope of the invention. From the above description, those skilled in the art to which the present invention relates will perceive improvements, changes and modifications. Numerous substitutions and modifications can be undertaken without departing from the true spirit and scope of the invention. Such improvements, changes and modifications within the skill of the art to which the present invention relates are intended to be covered by the appended claims.
Claims (12)
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US20130020173A1 (en) * | 2011-07-20 | 2013-01-24 | Seiko Epson Corporation | Media processing device, check processing device, and method of controlling a media processing device |
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US20060285613A1 (en) * | 2003-03-10 | 2006-12-21 | Diebold Self-Service Systems Division Of Diebold, Incorporated | Cash dispensing automated banking machine and method |
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US20060285613A1 (en) * | 2003-03-10 | 2006-12-21 | Diebold Self-Service Systems Division Of Diebold, Incorporated | Cash dispensing automated banking machine and method |
Cited By (2)
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US20130020173A1 (en) * | 2011-07-20 | 2013-01-24 | Seiko Epson Corporation | Media processing device, check processing device, and method of controlling a media processing device |
US8955663B2 (en) * | 2011-07-20 | 2015-02-17 | Seiko Epson Corporation | Media processing device, check processing device, and method of controlling a media processing device |
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